Credit Products Specialist II – Leisure, Hospitality & Gaming

Flagstar Bank

Credit Products Specialist managing complex commercial credit transactions and underwriting loan portfolios at Flagstar Bank in the hospitality sector.

Posted 7/29/2026full-timeCharlotte • North Carolina • 🇺🇸 United StatesMid-LevelSenior💰 $104,198 - $169,816 per yearWebsite

Core Competencies

Role fit

Core Competencies

Use this summary to align your resume positioning with the role.

Demonstrates expertise in commercial credit analysis, underwriting, and portfolio management, with a strong focus on financial modeling, risk assessment, and negotiation. Capable of leading teams and enhancing credit processes while ensuring compliance with bank policies.

Highest-signal resume keywords

Commercial Credit AnalysisUnderwritingFinancial ModelingRisk AssessmentNegotiation Skills

ATS Keywords

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Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard Skills

Credit Risk AssessmentPortfolio ManagementLoan StructuringMacroeconomic AnalysisCredit Agreement Review

Soft Skills

CollaborationProblem SolvingLeadership

Industry Keywords

Specialized Commercial IndustriesCapital MarketsCorporate Commercial Banking

About the role

Key responsibilities & impact

Lead underwriting efforts for complex loan requests, assessing creditworthiness and recommending risk-mitigating structures within the assigned specialized vertical or region.
Continuously monitor assigned portfolio to proactively identify credit risks, trends, and financial performance concerns.
Partner with sales in negotiations and client discussions, ensuring alignment between client needs and risk appetite.
Collaborate with legal teams to review and negotiate credit agreements, ensuring compliance with bank policies and risk management frameworks.
Provide guidance to junior credit professionals, enhancing team capabilities and fostering a strong credit culture.
Identifies and raises to leadership improvement areas in credit processes and procedures.
Uses independent judgement and discretion to make decisions regarding assigned portfolio.
Analyzes and resolves problems pertaining to the assigned portfolio.

Requirements

What you’ll need

Undergraduate Degree (4 years or equivalent) in Finance, Accounting, Economics, or a related field or 10+ years of equivalent experience
Minimum experience required: 4+ Years in commercial credit analysis, underwriting, or portfolio management.
4+ years of experience in the direct specialized line of business (Specialized commercial industries, capital markets, corporate commercial banking, etc.)
Advanced financial modeling and risk assessment expertise.
Strong negotiation skills and ability to collaborate with clients.
Experience structuring complex loan transactions.
Ability to analyze macroeconomic trends and their impact on credit risk.

Benefits

Comp & perks

medical, dental, vision, life, and disability insurance
comprehensive leave program